dealer handbook

Dealer
Handbook

Table of contents

Message from the Founder and Executive Chairman 1
1. Getting started 2
2. About Public Gold 3
3. Branches of Public Gold 4
4. How to register a new trading account 8
4.1 New Way to register New Frontline 11
5. Ways to do transactions 11
5.1 Outright purchase 11
5.1.1 Online 18
5.1.2 Walk in / Call-in 19
5.1.3 Gold In Transit (GIT) 23
5.1.4 Silver In Transit (SIT) 27
5.2 Payment 27
5.2.1 Payment method 27
5.2.2 Steps to make payment 28
5.2.3 Bank account 29
5.2.4 Gold premium 29
5.3 Stock collection 30
5.4 Gold / Silver Accumulation Program (GAP/SAP) Purchase 35
5.5 Undertaking of buy back 35
5.5.1 Ways to lock undertaking of buy back price 35
5.5.2 Undertaking of buy back transaction 36
5.5.3 Payment day 37
6. Climbing to dealership ladder 37
6.1 Dealership status 38
6.2 How to get your incentive on time 39
7. Dealers’ code of conduct 45
8. Dealers’ referral link 47
9. Benefits of becoming a Public Gold dealer 47
9.1 Sales Incentive Program - Leadership seminar 49
9.2 Qualifying bonus (Q-Bonus) 50
9.3 Localized marketing fund 52
10. Choosing the right investment for yourself 52
11. Comparison of Public Gold & conventional goldsmiths 53
12. Comparison of Public Gold & gold deposit accounts 53
13. Comparison of Public Gold & gold investment schemes 54
14. Gold jewellery vs silver jewellery? 55
15. Shariah Certification by Amanie Advisor 56
16. Frequently ask question 59
17. Branches details

Message from the

Founder & Executive Chairman

Dear Valued Dealers,

First of all, congratulations and well done for joining us at PG Group. A very warm welcome on board!

At PG Group, we are indeed very excited with your presence on board and rest assured that your wealth
will be in good hands under the guidance of our very own gold experts who have years of experience
in securing good wealth for your golden future. Not to be missed, without your immense support, we
would not be savoring the achievements we have now. Therefore, with the vast and increasingly swift
expansion of PG Group, we look forward to a great partnership with you.

In line with our belief, at PG Group we are committed in growing a sustainable future for all, by
securing a good wealth for your family, which ultimately leads to a stable economic foundation for
our beloved country, while we adhere to our belief, Public Gold Your Ultimate
Wealth Protector.

For those who are new to PG Group, this handbook will serve as a
guideline for you to expand your wealth and develop a solid career
with us. In this handbook, you will learn how to grow your own gold
business empire and increase your wealth out of it. We hope with
this handbook, it enables you to turn your stepping stones into great
milestones ahead of you.

Herewith, we hope to bring you great abundance and success through
this invaluable partnership together. Cheers for a solid partnership
together for many years to come!

Yours faithfully,

Dato’ Wira Louis Ng
Founder and Executive Chairman, PG Group

1. Getting Started

Congratulations for taking this big step in enrolling yourself as a PG Group Dealer.
Your success in PG Group Business will, to a major extent, depends on:
• Your commitment in protecting your wealth
• Your development of knowledge towards gold and silver
• Your commitment to manage your time on your core business and your gold business.
• Your development of the people that you bring into this family of gold business.

About Public Gold-Physical Exchange and Trading Centre
Public Gold was set up with the intention to buy and sell physical gold bars and wafers at international
market gold price, obtained the internationally-recognised accreditation from world renowned London
Bullion Market Association (LBMA) to offer consumers from across the globe an added assurance of
their product genuity and purity.

Why Public Gold?
• Twice Awarded by The Malaysia Book of Records for being the first locally - manufactured
certified Gold and Silver Bullion Bar
• Transparent and minimal margin spread between buying and selling price
• 24 hours online booking system (1st in Malaysia)
• 24 hours live prices online (www.publicgold.com.my)
• Guaranteed buy back even unintentional scratched or bended *
• Stable and well-established in Malaysia with 17 branches across Malaysia and Indonesia
• World’s First Shariah Compliant physical gold trading company
• Obtained numerous internationally recognized awards
• Proudly appointed as the 1st company to become royal minter for Malaysia’s 14th Agong’s
Commemorative Inauguration coin
* Except for extreme market conditions, such as financial & economic critical, social unrest, political instablility,
war & caused extreme volatility of precious metal price in international market.

Our Main activities:
• Conducting physical Gold exchange and trading centre
• Providing safe keeping facilities
• Minting and Refining

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2. About Public Gold

Introduction

Founded in year 2008 by Dato’ Wira Louis Ng Chun Hau, Public Gold provides an integrated range of
gold trading activities which include minting and refinery of gold, managing gold exchange and trading
centre, as well as offering safe facilities to the public. Not only that Public Gold also trades Gold Bullion,
Gold Dinar wafers, Silver Bullion, Dirham wafers, the Islamic trade currency that enables Muslims to
capitalize, save or pay their zakat with gold as a method of payment, and jewellery products.

The name “Public Gold” derived from Dato’ Wira Louis’s belief in which he believes that the Public
should be given the equal opportunity to own Gold, for gold is stable and can be used as an international
exchange medium. Hence the name, Public Gold.

Public Gold’s head office located strategically at Technoplex, Bayan Lepas Free Industrial Zone (Phase
IV) Penang.With its first branch opened in year 2008 at Bukit Jambul, Penang, Public Gold now owns in
total 17 branches throughout Malaysia and Indonesia.

In response to public demands, PG Group collaborated with the renowned Turkish company, Nadir
Metal Refinery Group and been appointed as the sole distributor for London Bullion Market Association
(LBMA) accredited investment precious metal products in Malaysia, Public Gold’s Dinar wafers is the
one and only Syariah compliant Islamic gold wafer in Malaysia.

Above all, Public Gold operates a fully integrated physical gold exchange centre that includes a physical
trading system and platform developed by in-house IT expert, which enables customers to access live
gold prices 24-hour a day and place buy-and-sell orders. PG Group also embarked on Oracle ERP
Solutions, a world recognized IT Systems and Database solution to implement a highly sophisticated
Enterprise Resource Planning (ERP) system bringing the Group’s existing system to a new level of
advancement since May 2015.

Due to its rapid growth, Public Gold Group has recently penetrated into foreign markets namelyVietnam
and Indonesia bringing the brand to greater heights.

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3. Presence Near You

Public Gold Global Public Gold Public Gold Bishop / Public Gold Relau / Public Gold Ipoh
Business Centre Alor Setar PG Gold Museum Public Safe

Public Gold Petaling Jaya Public Gold Ampang Public Gold Bangi Public Gold Seremban Public Gold Kota Bharu

Public Gold Public Gold Kuantan Public Gold Melaka Public Gold Public Gold Kuching
Kuala Terengganu Johor Bahru

Public Gold Miri Public Gold Public Gold Indonesia
Kota Kinabalu

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4. How to register a new trading account

Pre-registration and Public Gold Online Order
(outside the office)

• Open the link http://www.publicgold.com.my
• Click “Login” and then click “Register Account”

• Key in the personal particulars and enter introducer PG code.
• Enter your own password
• Click “Submit”.

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• After you submit your personal particulars, you can log into Public Gold official
website using--

- Username is your I/C No.
- Password is the same password you created for online registration.

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• Copy ID and click HERE:
- Username is your I/C No.
- Password is the same password you created for online registration.
• Click “Login”

• After successful login, you may directly view “My Account”.

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GAP / SAP Registration

For those new buyers who do not have PG CODE, their personal details and GAP
payment receipt can be sent to--
• Dealer can self register by click button at my account (refer page 8)
• OR, contact nearest branch (to guide)

Final Registration

1. Submission of Know Your Customer (KYC) form.
• In order to get your incentive, all dealers must complete Know Your Customer
(KYC) form at your servicing branch/online portal. (Before 3rd of following
month of your registered date)

Individual Account :
• Photocopy of I/C x 1
• Photocopy of Bank Book x 1 (for new registered Dealer and Priority Dealer only)

Company Account :
• Photocopy of Company SSM Form x 1
• Original Copy of Director Resolution for Appointed Person In-charge x 1
• Photocopy of Appointed PIC I/C x 1
• Company Bank Passbook x 1

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4.1 New way to register new frontline

• Open the link http://www.publicgold.com.my
• Key in Username and Password, then click “Login”
• (Only PG Group dealer can register for new account)

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Click on “Customer Registration” or “Junior Customer Registration” to register
new frontline
*Junior Account is only for under 18 years old

• Key in the personal particulars info
• Password will be automatic generated using IC number (customer may login &

change new password later)
• Click “Submit” - Make sure all details are correct before proceed.

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After you submit your personal particulars info, the PG Code will be generated for
your new frontline.Your new frontline can log into Public Gold official
website using--
- Username is PG code that had been generated.
- Password is IC number for Malaysian/Passport Number for foreigner (customer
can change new password later after login)

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5. Ways To Do Transactions

5.1 Outright Purchase
5.2 Payment
5.3 Stock Collection
5.4 Gold / Silver Accumulation Program (GAP/SAP) Top Up / Withdrawal
5.5 Undertaking of Buy Back

5.1 Outright Purchase

5.1.1 Online

Step 1 • Log on to Public Gold official website at www.publicgold.com.my

Step 2 • For new user, kindly register for new account (Refer to page 4)

Step 3 • Proceed to place order after agreed on Terms of Sales

Step 4 • Order complete by receiving proforma invoice confirmation.
• Proceed to payment and make appointment for stocks collection.

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Public Gold Product Online Order
Step 1: Access Public Gold Home Page
• Open the link http://www.publicgold.com.my and click “LOGIN”

Step 2: Login Your Public Gold Account
• Key in username (PG code) and password and click “Log in”.

Step 3: Place Order
• Click “ORDER” for Purchase Order.

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Step 4: Search or Sort by Product
• You can choose product sort by category / product name.

Step 5: Add to Cart
• Check the product name and unit price of selected item.
• After that, insert Quantity amount provided into box.
• Click “Add to Cart”.

Step 6: Go To Cart Page
• Click on the “CART” button at right corner of order page.

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Step 7: Update Cart and Proceed to Next Page
• Check and confirm the item details, item price and quantity is correct.
• If you want to change Quantity, simply change the amount and click on “Update

Cart” to apply changes.
• Double check your order (quantity and price) before click button “Proceed to

the Next Page”.

Step 8: Proceed To Payment
• Select preferred branch and outlet to collect the stock.

• Next, you may proceed to select any Public Gold branch nearby your current
location to pick up your stock.

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• Next, you may proceed to choose payment option (Full Payment /Syariah Easy
Payment Purchase).

• Done tick Terms & Conditions, and click “Place and Proceed to Payment”.

Step 8: Proceed to Payment (Continue)
• System will prompt success if your order is successfully placed.
• Click “Continue to Payment Page”.

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Step 9: Payment Method (Method 1)
• Choose BANKING as payment method and click Proceed.

• After payment, please upload transaction or payment slip by clicking “Browse”.
• Click “Upload File”.

• After upload success, please kindly wait for our staff to process order as our
system will notify immediately after upload transaction or payment slip.

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Step 9: Payment Method (Method 2)
• Choose payment method as FPX (Online Payment) and click proceed

Step 10: Check Order History
• If you haven’t attach payment slip yet, you can attach later by login to your account,

click on “My Order”, and click on the order ID desired.

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5.1.2 Walk-in / Call-in

Step 1 • Visit or contact the nearest Public Gold branch
• Seek for assistance from Customer Relations personnel

Step 2 • Refer to Public Gold Live Price for the item(s) that wish to
purchase

• Once agreed to the Public Gold Live Price, customer/dealer can
place order with Customer Relations personnel, upon agreed
with the live price, no further changes are allowed

Step 3 • For new buyer, information such as Full Name, NRIC, Mobile
Number, Email Address, Bank Account, Introducer Name and PG
Code needs to be provided to Customer Relations personnel
for new registration and issuance of Sales Order

• For existing buyer, information such as Full Name, NRIC, and PG
Code needs to be provided to Customer Relations personnel
for issuance of performa invoice

Step 4 • Customer Relations personnel will issue performa invoice based
on the ordered item(s) and to be handed over to buyer on the
spot or to be send to buyer via email provided

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5.1.3 Gold In Transit (GIT)

1. Inform related branch for GIT transaction.
a. Proforma order
Or ;
b. GAP withdrawal

2. Make sure full payment is make before proceed for GIT transaction.
a. For GAP withdrawal required to bank in Gold Premium in advance to
Public Gold Bank
Account as below:
PUBLIC GOLD MARKETING SDN. BHD.
i. Bank : Malayan Banking Berhad (Maybank)
Acc No : 5071-3410-4563
Swift No : MBBEMYKL

ii. Bank : Public Bank Berhad
Acc No : 3167-52-0833
Swift No : PBBEMYKL

b. After bank in Gold Premium,Whatsapp proof of payment to your service branch.
i. Refer Branches Contact list – https://publicgold.com.my/index.php/branch

3. After service branch received complete details, branch will proceed
for GIT requisition.

4. Receive instruction from branch to approve GIT transaction.

5. Login Public Gold Account at Public Gold Website. www.publicgold.com.my

6. At My Account page, find “My Shipping” tab as below, and click the button.

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5.1.3 Silver In Transit (SIT)

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5.2 Payment Cash (not Internet
5.2.1 Payment Method more than Banking
RM3,000)
Cheque

Payment Automated
Methods Teller

Telegraphic Machine
Transfer (ATM) Cash

Transfer

FPX Payment Cash
Deposit
Machine

5.2.2 StepsTo Make Payment

Step 1 • Receive sales order from Public Gold’s customer Relations personnel.
Step 2
Step 3 • Payment made via FPX payment method or manual transfer to Public Gold Marketing
Sdn Bhd’s bank account within 24 hours upon receiving the Sales Order.

• Payment slip needs to upload in “My Order” PG Account according to the purchase
order.

T day • Sales order issue day
T+2 day
T+4 day • A soft reminder will be issued by Account Receivable Division through email if the
T+4 day payment is still in outstanding status

T+4 day • Trading account will be automatically SUSPENDED without prior notice if no payment
is received/ noticed by Account Receivable Division

• Full payment is required to make before T+4 day
• Sales order will be automatically CANCELLED without prior notice on T+4 day if no

payment is received/ notice by Account Receivable Division
• Trading account will SUSPEND if no payment is received/ notice by Account Receivable

Division

• Processing fee (5% of sales order price, or price discrepancy between sales order
selling price and current selling price on cancellation date, whichever is higher) has to
be made

• Payment slip and Account Release Application Form needs to be submitted to Business
Representative team to release the trading account

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T+11 day • T+11 will cancelation for full payment method and 1st payment for easy payment
method,T+8 will force self for Easy Payment 2nd payment onward.

• Cancelation penalty will be 5% of sales order price or price discrepancy between
sales order price and current selling price on cancelation date. Force sales will base on
buyback price of cancelation date. And force sales will be subjected to 0.5% processing
fee.

5.2.3 Bank Account
Outright Purchase

Bank : Malayan Banking Berhad (Maybank)
Account Name : Public Gold Marketing Sdn Bhd
Account No : 5071-3410-4563
Swift : MBBEMYKL
Address
: 1-2-25, 1-2-26, 1-1-28 & 1-2-28, iAvenue Medan Kampung Relau 1,

11900 Bayan Lepas, Pulau Pinang.

Bank : Public Bank Berhad
Account Name : Public Gold Marketing Sdn Bhd
Account No : 3167-52-0833
Swift : PBBEMYKL
Address
: 1 & 3, Jalan Relau, 11900 Pulau Pinang.

Gold / Silver Accumulation Program (GAP / SAP)

Bank : Malayan Banking Berhad (Maybank)
Account Name : Public Gold Marketing Sdn Bhd
Account No : 5571-3923-8048
Swift : MBBEMYKL
Address
: 1-2-25, 1-2-26, 1-1-28 & 1-2-28, iAvenue Medan Kampung Relau 1,

11900 Bayan Lepas, Pulau Pinang.

Bank : Public Bank Berhad
Account Name : Public Gold Marketing Sdn Bhd
Account No : 3167-52-0833
Swift : PBBEMYKL
Address
: 1 & 3, Jalan Relau, 11900 Pulau Pinang.

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5.2.4 Gold Premium

LBMA Gold Bar EPP Gold Premium (RM) Gold Premium (RM)
(West Malaysia) (East Malaysia)
Premium Fees
10 15
1g - 10 15
5g -
15 30
10g 10 20 40
20g 20 40 80
50g 50 70 140
100g 100 100 200
250g 250 250 500
1000g 1000

Dinar Wafer EPP Gold Premium (RM) Gold Premium (RM)
Premium Fees (West Malaysia) (East Malaysia)
1/2 Dinar
1 Dinar - 10 15
5 Dinar 5 10 15
10 Dinar 30 20 40
50 40 80

Silver Bar/ Wafer EPP Silver Premium (RM) Silver Premium
(RM)
Premium Fees (West Malaysia)
(East Malaysia)

250g 15 30 60

500g 25 40 80

1kg 50 40 80

5kg 250 120 240

Disclaimer : The above Gold Premium may subject to changes from time to time, without prior notice.

5.3 Stock Collection

Step 1 • Make appointment with branch Customer Relations personnel for stock
collection via phone call or Email

• Confirm the stock with branch before stock collect
• After confirm stock,make appointment at website “book an appointment”

Step 2 • Visit the respective Public Gold branches according to the appointment time
and date given. If not, appoinment becomes invalid

• Show Identity Card and submit original payment slip to Customer Relations
personnel for verification

Step 3 • Confirm the stock with branch before stock collect
• Check on the quantity and item purchased stated on the Invoice and Delivery

Order
• Endorse the Delivery Order to acknowledge that the item received is correct

and non-returnable

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5.4 Gold / Silver Accumulation Program (GAP/SAP) Purchase

©Copyright of Public Gold Marketing Sdn. Bhd. f. Banking manually need take 48 working hours to convert
to GAP.

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Login to www.publicgold.com.my After login, click button “BUY NOW”

Click on “Login” button, key in username & password. 4
i. Username is your PG Code
ii. Key in own password
“First time log in user password is: Full IC number without “-”

iii. TICK check box.
iv. Click “Log in” button.

3

Click button “ Go To New Site” Click button “Purchase” & choose mode of
payment to “Pay Online (FPX)”
5
6

Key in total amount want to purchase Click button “Make Payment”
(RM/gm) according live price & click
button “Place Order”

7

Step 7: Choose bank preferable & click
button “Proceed & Pay”

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1
2
3
4

Customer need to Whatsapp
the bank account number to avoid for wrongly press buyback.

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Guideline for GAP Ar-Rahnu

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Login to www.publicgold.com.my Click on “My GAP” on the top panel.

Click on “Login” button, key in username & password. 4
i. Username is your PG code
ii. Key in own password

*First time login user password is Full IC number without “-“.
iii. TICK check box.
iv. Click “Login” button.

3

Click button “ArRahnu” Key in transfer qty: Min 1gram for
transfer quantity and click “Request”
5 button.

6

Check and confirm transfer qty, make Transfer request submitted successfully.
sure all information is correct, and click
“Confirm” button. • Payment will bank in within 2 working days.
• Make sure photocopy of I/C & Bank copy is updated.
• Send the photocopy of IC (front & back) and bank
statement to branch through whatsapp to verify the
GAP Ar-Rahnu

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1
2
3
4

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5.5 Undertaking of Buy Back
5.5.1 Ways To Lock Undertaking of Buy Back Price

Phone Walk In Online
Call Email
Ways to
Whatapps Lock Price

SMS

* Customers are required to walk in respective branches to perform buyback transaction within 24hours upon
price locked.

* No cancellation allowed after price locked. Customer’s account will be suspended until settlement of processing
fee cleared.

* 5% processing fee will be charged base on buyback order buying price / price discrepancy between purchase
order buying price and current buying price by the date of cancellation; whichever is higher.

5.5.2 Undertaking of Buy Back Transaction

Step 1 • Visit nearest Public Gold branch and look for Customer Relations
personnel for buyback transaction

• Bring along identity card,product(s) with certificate or LBMA product(s),
and buyback booking (of price locked via online)

Step 2 • Refer and agree with Public Gold Live Price for buyback
Step 3 • Purity of product(s) that wish to be traded in will be checked via

Step 4 density test

• Customer Relations personnel will issue Buyback receipt with listed
item(s), quantity, and price of buyback

• Each item’s price will be deducted by RM10 if failed to provide products’
certificate (except jewellery)

• RM10 will be deducted from each and every item’s buyback price for
item without certificate

• Payment will be made by Account Department according to the
payment day base on transaction date and time (refer to following
table)

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5.5.3 Payment Day Payment Day
Monday
Maybank Account Tuesday

Transaction Day Wednesday
Thursday
Thursday (4pm - close) ;
Friday (9am- close) Friday

Saturday, Sunday (9am - close) ;
Monday (9am- 4pm)

Monday (4pm - close) ;
Tuesday (9am- 4pm)

Tuesday (4pm - close) ;
Wednesday (9am- 4pm)

Wednesday (4pm - close) ;
Thursday (9am- 4pm)

Other Bank Account

Transaction Day Payment Day

Thursday (4pm - close) ; Tuesday
Friday (9am- close)

Saturday, Sunday (9am - close) ; Wednesday
Monday (9am- 4pm)

Monday (4pm - close) ; Thursday
Tuesday (9am- 4pm)

Tuesday (4pm - close) ; Friday
Wednesday (9am- 4pm)

Wednesday (4pm - close) ; Monday
Thursday (9am- 4pm)

Note: Payment will be transferred via Maybank Online Banking (payment will be delayed if bank
account details provided is incomplete or incorrect).

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6. Climbing the Dealership Ladder

6.1 Dealership Status
Public Gold Marketing Dealership Terms and Conditions

Dealer Priority Dealer Master Dealer

2. Activate your dealership

I. Submission of Know Your Customer (KYC) form.
i. In order to get your incentive, all dealers must complete KnowYour Customer
(KYC) form at your servicing branch/online portal.
a) Photocopy of I/C x 1

b) Photocopy of Bank Book x 1
ii. Attend PG Golden Tour
iii. Attend Jutawanemas Leadership Training (JLT)
3. You are entitled to receive:

i. Monthly incentives
ii. Other bonus

4. Only Active Dealers are entitled for the monthly incentive. 

 To remain Active, you must have at least one (1) own purchase / new buyer
referral every month.

 You will be able to view the monthly incentive statement on every 20th of the
month through PG website at www.publicgold.com.my.

5. Dealership Requalification
To remain as Public Gold authorized Dealer, you have to achieve Personal Sales of
minimum RM10k for dealer, RM50k for priority dealer and RM100k for master dealer
within 6 months period:
 1st half year: April to September
 2nd half year: October to March

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6. Update Personal Data - (Self-update via website. Only thru the staff or branch for certain thing such

as wrong fill in IC number)

3 Methods:

a. Public Gold website (via amend Profile Data) www.publicgold.com.my.
b. Email to [email protected].
c. Fill in the “Customer Data Changes Form” at branches.

7. Miscellaneous

 You are not allowed to sell PG Group’s product if you is no longer a PG Group
authorized Dealer.

 You are strictly reminded to practice the “Dealer’s Code of Conduct” when
conducting business activities direct or indirectly related to PG Group.

 You are reminded to uphold the positive image of PG Group at all times. PG Group
reserves the right to withhold the appointment of Dealer, or to claim compensation
based on legal terms if you have done any activities or spread rumors that will
tarnish the company’s reputation.

 Kindly contact our Customer Service Hotline at +604-6439999 / [email protected]
or logon to www.publicgold.com.my for more information and details.

Disclaimer: Any business activities by PG Group authorized dealers which is/are different from the official disclosed Business plan,
kindly conduct verification with PG Group branch officers. PG Group reserves any legal rights against any individuals or organizations
who misuse PG Group’s Business Plan. Meanwhile, the Terms and Conditions above are strictly for reference used only and PG Group
reserves the right to amend it from time to time without prior notice.

6.2 How to get your incentive on time

Payment policy

1. Incentive below RM100 will be credited to PG Mall C-wallet.

a. For inactive account status, total of the incentive will be credit to C-wallet.
(updated by 1st August 2018)

2. For incentive above RM100, current month sales order incentive will be credited next
following 20th of calendar month.

3. If 20th falls on public holiday or Sunday, the Incentive will be credited on 21st of the
month.

4. Payment for the sales order should be made and upload in website (non FPX) within
current month and within 5 days of next following month.
Things MUST do

5. Submission of Know Your Customer (KYC) form. (Before 3rd of following month of
your registered date)

a. In order to get your incentive, all dealers must complete Know Your Customer
(KYC) form at your servicing branch/online portal.

i. Photocopy of I/C x 1

ii. Photocopy of Bank Book x 1

6. All payment must direct paid to Public Gold within 24 hours and upload in website for
non FPX payment.
7. Dealer is only allowed to receive incentive through own bank account. No third
party account is allowed including immediate family members.

8. Kindly call to your bank home branch for the confirmation of identification registered
with bank.

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7. Dealer’s code of conduct Revised & updated : January 2019

DEALERS’ CODE OF CONDUCT

In the physical gold and silver trading business it is crucial to have a standardized guideline to protect the
welfare of its customers and general public to avoid any misconduct among PG Group dealers that may
affect the genuity of the business and dampen the confidence level of the customers.

These rules of conduct are specially designed to make aware to customers and general public on PG
Group’s expectations towards its authorized dealers’ especially in their dealings with customers on
behalf of the company. So they are aware of the actual rights, duties and responsibilities held by an
authorized PG Group Dealer

The term “Dealers” herein refers to PG Group Dealers, Priority Dealers and Master Dealers and the
term “PG” herein refers to Public Gold.

The strength and success of PG Group business is based on joint effort of an enduring partnership of
strong commitment and trust between the Company and Dealers.

It is compulsory for every PG Group Dealer to comply with PG’s Code of Conduct to establish and
maintain a good business reputation. PG Group will monitor the compliance of dealers from time to
time and report any breaches observed to related authority in order for a corrective action to be taken.
PG Group reserves the right to terminate any dealers found guilty of breaching the rules, when deemed
necessary.

PRINCIPLES OF THE GUIDELINES

(a) GOOD FAITH – to ensure a level playing field for Dealers through ethical and responsible
business conduct, as well as to preserve the benefits of the PG Group Sales and Incentive Plan
equitably for all Dealers.

(b) INTEGRITY – to maintain and preserve the unity, harmony and integrity, which is beneficial for
continuous growth of business, industry, environment as well as community in general in the long-
term as it is a business based on trust and honesty, which requiring a high degree of responsibility.

(c) QUALITY – to deliver quality and timely service by following up and provides continuous service
and updates to the customers.

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DEALERS’ CODE OF CONDUCT

REGISTRATION

1. Prospective PG Group Dealers are required to register themselves at any of PG Group branches across Malaysia
before they are deemed authorized to deal with customers or prospects. On top of that, these prospective PG
Group Dealers have to be above 18 years old and free from any insolvency at the time of application.

2. To register, PG Group Dealers are required to upload supporting documents such as a copy of identity card and
banking document (copy of bank book) in Public Gold website (update profile & bank info) for verification purposes
before submitting them to Public Gold Global Business Centre (PGGBC) for further processing.

3. PG Group encourages its prospective dealers to register using company account.

DEALERSHIP

4. Dealerships are open to companies and partners. Under partners’ dealership account, the dealership will be granted
to husband and wife, who are legally married to one another that are enforced under the local law on specific rights
and duties resulting from that relationship.

COMPLIANCE

5. It is in the obligation of PG Group Dealers to comply with all rule of conduct and other subsequent amendments
made thereof, effective from the date of registration. PG Group reserves the right to modify, amend and change any
of its policies, rule of conduct and other terms and conditions under PG Group Dealership without any prior notice.

6. PG Group Dealers are encouraged to practice the highest standards of behavior when dealing with customers and
general public. Good ethics must be encouraged, recognized, valued and followed by all PG Group Dealers.

7. PG Group Dealers must at all times observe the rules and regulations, laws and all code of practices by implementing
them in their dealership operations and refrain from any activity that may bring disrepute to themselves or PG Group
in general.

8. PG Group Dealers are prohibited from condemning, tease and bad-mouth other dealers or initiate any malicious
criticism or slander against PG Group, its products, company officers and employees that would tarnish the company’s
reputation.

9. PG Group Dealers are not allowed to use PG Group’s product name, data, printed information, advertising materials,
corporate meetings and other assets to make a direct comparison with other competitors of similar industry.

10. PG Group forbids its dealers from selling or promoting competitors’ products of similar industry to avoid any
confusion or uncertainty to their image creating a mix identity to the public.

11. PG Group Dealers are not allowed to establish any network in competitors’ company of similar industry to prevent
them from losing focus and specialization, in which PG Group believes are hindrance to their success.

12. PG Group Dealers should spread and share only the GOOD news about the business among fellow dealers,
customers, and prospects to retain and enhance a positive image of the business.

13. Dealers are not encouraged to borrow or lend money from other dealers to avoid any dispute or conflict.

14. PG Group Dealers must promote PG Group products based on the suggested retail rate as per listed on Public
Gold’s official website and other official channels approved by Public Gold management.

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15. The logo is a registered trademark and can only be used by PG Group officials for corporate image
building and brand identification. PG Group Dealers should not use it for personal gains or other means, apart from
the intented by PG Group such as the misuse of brand name, logo and trademark including duplication, transmission,
distribution, transfer, translation, etc., without PG Group’s consent or expressed written permission in advance.

16. PG Group Dealers must not deceive its customers or prospects with improper product positioning in terms of
pricing, quantity, presentation or stock availability that may in return tarnish their name or reputation of the company.
It is inappropriate to solicit sales through explicit advertising on monetary value or other incentives on broadcast,
print or electronic media.

17. PG Group Dealers are restricted from any activities that could potentially damage PG Group products such as gold
plating, gold electroplating or any process that can cause impurities of gold.

18. PG Group Dealers are not allowed to invite, solicit or convince any other PG Group Dealer or registered customer
to join or take part in any other business or activity that are not organized by or related to PG Group. (Newly
updated on 22nd Dec 2016)

19. In order to avoid adverse impact on the harmonic development of the Line of referral and damages on the referral
rights of his/her up line, a PG Group Dealer shall in no circumstances directly or indirectly and whether on his/her
own behalf or in conjunction with or by way of assisting any other person, solicit, interfere with or endeavor to entice
another Dealer or registered customer to break away from his/her up line network or to change his/her referral up
line.
(Newly updated on 22nd Dec 2016)

20. Cross Group Buying or Selling/ Supplying: PG Group Dealers shall not engage in cross-group buying or selling /
supplying. “Cross group buying and selling / supplying” occurs when a Dealer sells or supplies PG Group distributed
or supplied products and/or services to another Dealer or registered customer who is not personally introduced and
downline of her/himself. (Newly updated on 22nd Dec 2016)

SALES PRACTICE

21. PG Group Dealers are required to exhibit good knowledge on PG Group products in order to consistently provide
high quality services to its customers. In return, this will help boost sales growth exponentially and result in a long
term strong business network.

22. PG Group Dealers must pay close attention to restrictions and exclusions implied on any transaction (if any) and
understand the risk in using PG Group trading facilities as well as the correlation between risks and returns, such as
the probability of profit and loss.

23. PG Group Dealers are strictly not allowed to cancel any order upon submission, may it be through internet booking,
telephone booking, SMS or other booking channels.

24. PG Group Dealers are encouraged to know their customers well, inclusive of their backgrounds, as Know-Your-
Customer (KYC) policies are becoming increasingly important globally, apart from building good rapport with
customers, this could also prevent them from engaging in any money
laundering activities, financial frauds or even terrorist financing.

25. PG Group Dealers shall not abuse the trust given to them by practicing an efficient payment system such as
acknowledging receipt of payments made by customers and maintain a proper account of all monies received from
purchase or buyback of gold and silver. There should also be a clear distinction between customers’ monies and
personal monies. PG Group Dealers are encouraged to have a proper filing of product orders/ payment receipts and
transfer the monies received from customers to the nearest PG Group branch soonest possible.

26. PG Group Dealers should have a strong will to learn through empathetic listening, especially to those who are lack of
knowledge and understanding on gold and silver. PG Group Dealers should be able to explain clearly and precisely
the terms and conditions of purchase, particularly on prices, payments terms, buyback requirements, as well as stock
collections. Dealers are also required to be familiar with the company’s background and other operations procedures.

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27. PG Group Dealers should not mislead, deceive or practice inequitable sales nor involve in money laundering activities,
pyramid scheme or any sort of dodgy get-rich schemes with PG Group products.

28. PG Group Dealers should make an initiative to understand their customers’ needs, may it for long-term savings,
advisory needs, or even to ease their choice of products, based on 24 hours live spot price published on PG Group
official website.

29. Should PG Group Dealers encounter any objection from the customers, they should emphasize on long term savings
through physical gold and silver whereby the longer they keep, the higher the value, in comparison to other types of
investments in the market.

30. PG Group Dealers are prohibited from conducting any illegal deposit taking or misuse of customers’ fund through
the use of Public Gold’s name for personal gain or illegal fundraising activities.

31. PG Group Dealers should not make any empty promises to customers or prospects.

Referral

32. When dealing with the prospective dealer, PG Group Dealers are required to provide accurate and complete
information on career opportunities, marketing plans, as well as right and duties of Dealers, and avoid at all times any
false facts or fraudulent sales presentation being given to the prospects. Any disapprove events that are expected to
create false perception, or unrealistic
commitments are not allowed to be presented to prospects.

33. PG Group Dealers are restricted from using misleading, fraudulent or bias tactics to promote to a Dealer. Master
Dealers are also not allowed to deride other dealers that are not directly linked for any reason.

34. Master Dealers are encouraged to train and motivate their entire dealers in order to establish and maintain a long
term sales network growth.

35. A healthy mindset is crucial among PG Group Dealers to improve the quality lifestyle of the family and motivating
and guiding other dealers through effective business development tactics for a better future.

36. As preventive measures, PG Group Dealers are advised not to engage directly or indirectly in any activity that may
conflict with PG Group’s nature of business. It is advisable for PG Group Dealers to seek advices and disclose any
possible conflicts, may it be actual, perceived or potential conflicts to their Master Dealer or PG Group Management,
to avoid any possible damage to the company’s reputation.

37. PG Group Dealers are encouraged to feedback any challenges or obstacles encountered in their business to their
introducer or PG Group to obtain better solution ideas.

38. Should any of PG Group Dealers violates the Dealers’ Rules of Conduct, and the witness fails to report such violation
to PG Group despite having direct knowledge on its contents, he/she will be prosecuted and subject to disciplinary
actions, as it is believed that PG Group Dealers play a vital role in preventing unethical or fraud activities, in order to
promote a transparent business model and equitability to all customers.

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TYPES OF MISCONDUCTS

MINOR DISCONDUCT:

These include, but are not limited to:

I.) Dealer has direct knowledge on potential violations under Rules of Conduct but fails to report
such violation to PG Group.

II.) Absent from Dealer Code of Conduct Council hearing despite being notified beforehand.

III.) Condemn other PG Group Dealers and initiate malicious criticism or slandering against PG
Group products, employees and company’s reputation.

IV.) Reproduction of sales aids or PG Group literature without prior approval from PG Group
management.

V.) Misrepresentation of price, quality, performance and availability of PG Group products.

VI.) Advertise incentives of clear and obvious monetary value as inducements to solicit sales in any
national advertising medium, including broadcast, print or electronic media.

VII.) Make any claims or assertions on the products, other than those listed in PG Group product lists.

MAJOR MISCONDUCT:

These include, but are not limited to:

I.) Engage in other competitors’ company activities which bring disrepute to him/ herself and PG
Group.

II.) Approach and persuade other dealers of PG Group to attend competitors’ company activities.

III.) Reproduce and misuse of logo, brand name, trademark of in any form without
authorization and approval from PG Group.

IV.) Involve in any activities, related to gold plating, gold electroplating or activities which can lead
to damage or impurities of gold.

V.) Involve in money laundering activities, financial fraud and terrorist financing activities.

VI.) Involve in any pyramid scheme, get-rich-scheme business or other deceitful activities by using
PG Group products.

VII.) Involve in any illegal deposit taking or misuse of customer’s fund for personal gains or illegal
fund raising activities by using ‘Public Gold’ name.

VIII.) Using misleading, fraudulent or unfair tactics to introduce a Dealer.

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CONSEQUENCES OF NON-COMPLIANCE

PG Group strives to promote and maintain uniformity in its Dealers’ Rules of Conduct to uphold the
trust and welfare of its customers within the physical gold and silver trading industry at all times.

We wish to advise all PG Group Dealers that those found in violation of PG Group Dealers’ Rules of
Conduct will result in disciplinary and corrective action, which may include, but are not limited to:

i.) Termination of dealership and business suspension at any time and for any reason deemed
fit by giving written notice.

ii.) No longer to be entitled to any Sale Incentive Program benefits, incentive or other benefits
as a PG Group Dealer.

iii.) No longer have the authority to sell PG Group products
iv.) Demote of dealership status
v.) Only be treated as a normal customer from then on.

Should there be any doubt on matters related to code of conduct, Dealers are advised to seek guidance
from their Introducer/Master Dealer, who may then seek advice from PG Group’s Dealer Code of
Conduct Council, when necessary.

Dealers’ Code of Conduct Council will ensure all reports are dealt in a prompt, professional and
confidential manner. Reports can be filed confidentially and anonymously, if desired, to enquiry@
publicgold.com.my, accompanied by evidence of misconduct. Breaches observed will be reported to
related authority for further action.

Herewith, we seek for your kind cooperation to report any such incidents in order for us to move
forward as one, achieving greater wealth together.

To save your family, buy gold.
To help our nation, keep gold.
To follow your religion, use gold.

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8. Dealers’ Referral Link

What is the Dealers’ Referral Link?
The Dealers’ Referral Link is a link for the dealer to promote Public Gold website especially to the
new customer or prospect. Every dealer will have their own referral link, your name will be quoted as
the introducer when your customer or prospect log in to Public Gold’s website using your referral link
and register as a new online user.

Why must I promote Dealers’ Referral Link?
The Dealers’ Referral Link enables every new online registration that made on the referral link to auto
quotes your name as the introducer and you will never missed out for any new business opportunity.
Through this referral link, it allows you to better manage your business.

How am I going to start using the Dealers’ Referral Link?

Step 1: Get Your Own Referral Link
Your personal referral link can be found
on the “My Account” section after you
have log in to Public Gold Website.Then
click at “Business Center”.

Step 2: Start Promoting

Promote your referral link to your new
customer or prospect so that they can
log in to Public Gold Website using your
referral link.

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Your new customer or prospect may
proceed to the login page and register
as a new online user.

Your name will be appeared as the
introducer for the new registration and
you will never miss out for any new
business opportunity.

Disclaimer and Terms of Use
The following are terms of a legal agreement between you and PG GROUP. By using, promoting, or disclosing (or any other
relevant methods) of your personal Dealers’ Referral Link, you acknowledge that you have read, understood, and agree to
be bound by these terms. If you do not agree to these terms, please do not use, promote or disclose (or any other relevant
methods) your personal Dealers’ Referral Link to any third party.

1) The new customer/prospect registered under you is not secured until they have make any purchase, Public Gold will
detect the first purchase to determine who is the introducer for the new customer/prospect.

2) The report data available in the features are for your own reference only, disclosing any data to third party is
prohibited.

3) PG GROUP is not liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages,
including but not limited to, damages for loss of profits, revenue, goodwill, use, data, electronically transmitted orders,
or other economic advantage, caused and regardless of the theory of liability, arising out of any matter relating to
this features.

4) You have sole responsibility for adequate protection and backup of data and equipment used in connection with the
Site and will not make a claim against PUBLIC GOLD for lost data, re-run time, inaccurate output, work delays or lost
profits resulting from the use of the feature.You agree to hold PUBLIC GOLD harmless from, and you covenant not
to sue PG GROUP for, any claims based on using the features on the website.

5) If you have any problem, suggestion, comment, or you found a bug during the utility, you can send a message to
enquir [email protected]

TIPS of usage:

I. Always quote your Dealers’ Referral Link on the promotional material and distribute to the potential customer/
prospect.

II. Frequently promote your Dealers’ Referral Link via email, Facebook,Twitter or other social networks.

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9. Benefits of Becoming a PG Group Dealer

In reward for our valued dealers commitments and contributions, PG Group has taken the initiatives to
organize numerous leadership seminars for those who have achieved tremendous sales target in the
past 1 year to celebrate their excellent achievements.
Therefore, keep up the good work and you will be rewarded with great incentive trips! Approach our
Customer Relations and Marketing team to find out more. Hope to see you in the upcoming Sales
Incentive Program: Leadership Seminar.

9. 1 Sales Incentive Program-Leadership Seminar

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